some days are just not perky "how may I help you?" days . . . . I can totally relate

no i am not fond of reps today. they are not pleasing me.

ahh, I see! They're lacking on the "service" part of customer service

Some places do it well, some don't. There are individual variations, but a big part of it is management attitude (in my humble opinion).

So I take bad service as a sign that I shouldn't be doing business there.

good point

yeah i am gonna cancel my citibank card...after 20 years...cause they are not so nice